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The Miami Dolphins will have some fans cheering them in person when they kick off their season.On Monday, the team announced that 13,000 fans would be allowed at the Sept. 20 home opener when they take on the Buffalo Bills."When we started the process back in March of exploring what a socially-distanced stadium could look like, we made the health and safety of everyone the first priority; knowing that if we felt that we couldn't make it safe, we simply wouldn't have fans," said Miami Dolphins Vice Chairman and CEO Tom Garfinkel in a press release. "We're happy that our elected officials recognize the attention to detail and diligence that we've put into creating a safe environment and that they made the decision to move forward with a 13,000-capacity stadium at this time."In a series of tweets, the team showed off how they are preparing for fans during the coronavirus pandemic: staggered gate entry, entry times listed on tickets, and fans being released one row at a time at the end of the game. 1017

The number of mass shootings around the country in 2018 has risen above 300 so far.According to data from the Gun Violence Archive, a total of 307 mass shooting incidents have occurred as of October 27.Wednesday night's shooting, which left 13 people dead at a bar in Thousand Oaks, California, marked the 307th mass shooting incident so far this year.In 2017, the U.S. saw a total of 346 mass shootings. See statistics for other years here.There doesn't seem to be an official definition for a "mass shooting" in the United States, but according to the Gun Violence Archive, a mass shooting is described as four or more individuals being shot or killed in the same general time and location. RELATED: School shootings in U.S.: When, where each shooting has occurred in 2018The F.B.I. defines a "mass killing" as the killing of three or more people in a public place, but the federal agency also defines a "mass murderer" as someone who has killed four or more people in the same location.The Gun Violence Archive lists itself as a not-for-profit organization that documents gun violence and gun crime nationally. 1156

The hottest gift this holiday season is a new gaming system under the tree.Microsoft's new XBox Series X and Sony's new PlayStation 5 are the hardest-to-find items this Christmas, quickly becoming the Furby or Hatchimal of 2020.To make it even more frustrating, some people who ordered one are ending up with nothing after a Kohl's website malfunction, Walmart Thanksgiving night fail, and Amazon package thefts.Kohl's, Walmart frustrationJerris Williams is one of the few lucky ones: he showed us his new PS5, which he found at Target the other morning at 6 a.m."We finally got one," he said, "and it was almost like a lottery."He thought he found one on Kohl's website a couple of days earlier, as did thousands of other shoppers."Kohl's went live, which means they were starting to sell the PlayStation 5," he said. "And that went on at 1:30 in the morning."Williams quickly got a confirmation from Kohl's that a PS5 was on the way, only to have his hopes dashed hours later."We were happy, excited, celebrating. And then the next morning, they canceled on us."Kohl's confirms to us that it was unable to fill all PS5 orders.The electronics blog Techspot suspects thousands of people were left empty-handed by the website glitch.The one consolation: Williams gets to keep 0 in bonus Kohl's cash for his trouble. Kohl's says it is still giving bonus cash to all the people who had their orders canceled."I'm doing the math in my head," he said. "All my friends have the same thing, so that's a lot of money that they are all giving away for nothing."Walmart website failWalmart attempted to do shoppers a favor Thanksgiving night, announcing they were putting up several thousand PS5s at 9 p.m.But most shoppers ended up like Stephanie Meibers, with an error message when they tried to grab one the minute the Walmart site went live."I tried to add to cart," she said. "Then you get the 'oh dear' message, a little dog with antlers, and then I get 'We are getting temporary internet issues.' Then the next thing it said it was out of stock, and 'We have moved it to your save for later folder.'"Tech sites blame what they call "Grinch bots," automated programs that grabbed the inventory immediately, before shoppers could get out their credit cards.Complaints of Amazon switcheroosBut Kohl's isn't the only retailer trying to soothe angry and frustrated customers right now.With Amazon, it's a whole different problem.Some Amazon customers (most in England so far) are posting photos of other things they claim showed up in their XBox or PS5 shipping box.Buyers claim they received everything from brown paper, to a foot massager, to a box of Purina cat food. 2675

The interest rate on the 30-year fixed-rate mortgage remained near record lows in June and is likely to stay there in July.The 30-year fixed averaged 3.33% APR in the first four weeks of June, a smidgen lower than the 3.37% average APR in May and 3.36% in April. June’s rate average was the lowest in the four-year history of NerdWallet’s daily rate survey.A mission to reduce ratesMortgage rates were remarkably anchored from April through June after the Federal Reserve intervened to stabilize rates and push them down.But the Fed’s intervention hasn’t been entirely successful: Although mortgage rates have been remarkably stable, they’re stuck at a higher-than-expected level. To put it more bluntly, rates should be lower.Since March, the central bank has bought billions of dollars’ worth of Treasurys and mortgage bonds “to sustain smooth market functioning, thereby fostering effective transmission of monetary policy to broader financial conditions,” as the Fed explained in a June 10 statement.Dissecting that short passage:The Fed is saying that its goal is to push interest rates, including mortgage rates, lower. That’s what “transmission of monetary policy to broader financial conditions” means.It’s trying to accomplish that goal by buying Treasurys and mortgage bonds to calm and stabilize those markets. Stabilizing markets is a method, not the goal.? MORE: How mortgage rates are determinedFed failed to make a bigger splashThe Fed has succeeded in calming the waters. That’s why there were ripples, not waves, in fixed mortgage rates from April through June. But it has only partially succeeded in its goal to push interest rates lower. For the Fed to declare victory in “fostering effective transmission of monetary policy to broader financial conditions,” mortgage rates would have to fall another half a percentage point or so.With its intervention, the Fed decreased Treasury yields and mortgage rates. But the results are unequal: Since January, the 10-year Treasury yield has fallen a little over one percentage point, while the 30-year mortgage has fallen about half a percentage point. Normally, the two would fall roughly the same amount.Rates slow to sync with TreasurysWhy haven’t mortgage rates fallen further? You might guess that lenders are keeping rates elevated to offset the risk of mortgages going into default during the COVID-19 recession. But mortgage rates tend to fall during recessions.? MORE: What COVID-19 means for mortgage ratesMaybe mortgage servicers, the companies that collect monthly payments and work with past-due borrowers, want to be paid for the increased risk they bear, and it’s translating to higher rates. Maybe an undetected economic force keeps a floor on mortgage rates, preventing the 30-year fixed from falling below 3% and lingering there.A more plausible theory is that mortgage rates will follow historical patterns and shamble lower until they’ve fallen roughly the same as Treasury yields. That’s the conclusion that Bill Emmons, economist for the Federal Reserve Bank of St. Louis, makes in a paper titled “Why Haven’t Mortgage Rates Fallen Further?”Using history as a guide, Emmons writes, “we would expect a further decline in mortgage rates of perhaps 0.5 percentage points.” If he’s right, mortgage rates might drop in July.Don’t count on it, though. Not after these two months of stability; rates might continue to tread water.More From NerdWalletCompare current mortgage ratesHow much home can I afford?Buying or selling a home during the pandemicHolden Lewis is a writer at NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. 3623

The Pac-12 Conference announced Thursday that they have decided to will play football this season after all.In a press release, the conference said the season would kick off Nov. 6 and no fans will be allowed "at any sporting competition taking place on Pac-12 campus.""Enabling Pac-12 teams would be considered for selection by the CFP," the conference said in the release. "The football schedule will be released in the coming days."The conference also stated that they be implement cardiac monitoring protocols for all student-athletes who test positive of COVID-19."The Pac-12 institutions are also participating in a national COVID-19 cardiac registry which will allow for medical practitioners to monitor closely, and gain greater insight into, potential health outcomes in student-athletes," the conference said. The conference said teams will play seven conference-only games, with the conference championship game scheduled for Dec. 18.“From the beginning of this crisis, our focus has been on following the science, data and counsel of our public health and infectious disease experts,” said Pac-12 Commissioner Larry Scott. “Our agreement with Quidel to provide daily rapid-results testing has been a game-changer in enabling us to move forward with confidence that we can create a safe environment for our student-athletes while giving them the opportunity to pursue their dreams. At the same time, we will continue to monitor health conditions and data and be ready to adjust as required in the name of the health of all.”The conference also announced that men’s and women’s basketball will begin their season on Nov. 25.In August, the Pac-12 decided that they were postponing this season of college football due to the coronavirus pandemic. 1762